Our Retirement Planning Approach

What do you want to achieve for your retirement?

At Norton Financial we help you identify and define the retirement you envision, and develop strategies to help you pursue your lifestyle goals. We take a comprehensive approach to retirement planning, creating strategies that incorporate investments, financial planning, asset and tax management, insurance and estate conversions.

As we create your unique plan, we learn about your goals, your investment history and risk tolerance. This helps us offer insightful guidance to strategically manage and protect your assets. Once you are satisfied with the plan we propose, we implement your strategy and make adjustments as the financial landscape changes or your priorities or goals evolve over time.

Most importantly, we simplify the demands of managing your wealth to enable you to devote more time to your personal endeavors and your loved ones.

Whether you are in the accumulation phase or have already retired, a sound strategy is critical to:

Helping you meet your retirement income needs, desires and expenses

Maintaining lifestyle choices and priorities

Ensuring that long-term goals and aspirations are funded for travel, healthcare, estate planning, charitable giving and other goals

We can help you develop a comprehensive plan to:

Identify and pursue your lifetime income goals

Help minimize taxes on income—now and during retirement

Plan for your legacy

Fee-based Personal Financial Planning

Financial planning is at the very core of the life planning services we provide to individuals and families seeking to build, preserve and manage wealth over time.

Retirement income planning, education planning, tax and estate planning, and risk management services are components of a larger, more comprehensive financial plan designed to achieve multiple financial and lifestyle goals. Your plan also provides for your heirs and defines the legacy you choose to leave.

Investment Management

You require sophisticated and attentive asset management for a lifetime of assets. Our investment planning process begins with an extensive analysis of your risk tolerance, investment objectives and time horizon. After ascertaining these factors, we design an investment strategy to help meet your needs, based on your investor profile.

We provide you with access to a full array of non-proprietary financial products and services as we work with you to ensure that your assets are strategically diversified and managed.

We create investment strategies tailored to your needs that may include:

CDs and money market funds

Municipal, treasury and corporate bonds

Domestic and foreign stocks

Mutual funds

Exchange Traded Funds (ETFs)

Fixed and variable annuities

Strategic Asset Management (offered through LPL Financial)

Tax Strategies

Nearly all financial decisions have tax ramifications. Tax liabilities associated with income, estate, gift and various state, excise and sales taxes can take a real toll on your wealth. Our team of experienced professionals can help coordinate the various aspects of your financial plan to help maximize tax-efficient strategies in line with working towards your overall financial goals.

Insurance and Risk Management

Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of financial planning. Closing the gap on potential risks can be tricky without a comprehensive plan and process that methodically evaluates all potential risk factors.

That’s why risk analysis is an integral part of our ongoing process. We continually identify and analyze all risk factors and make objective and objective recommendations to provide you with the peace of mind you seek.

Life

Disability

Long-term Care

Long-term Care

When planning for long-term healthcare needs, it’s important to keep in mind that:

Medicare is not nursing home insurance and does not cover long-term care

Long-term care insurance can help manage healthcare costs and reduce the impact of inflation, while ensuring your healthcare needs, and those of loved ones, are covered well into the future. Adequate financial planning now can help prevent a lifetime of assets from falling short when you need them most.

Education Planning

Whether you’re paying tuition costs now or saving for a future goal, it’s important to ensure that your education strategy is compatible with achieving your retirement income and related financial objectives. Tax considerations and retirement income needs must be weighed and evaluated before choosing a specific strategy. It’s important to remember that while education expenses can be funded through borrowing, retirement expenses cannot.

Since we’re an independent firm, we’re under no pressure to recommend proprietary education savings programs or investment products. Our only concern is which program best meets your needs.

Estate Planning

Preserving wealth from one generation to the next can be complex and time-consuming. Guidance from a competent, experienced advisor can go a long way toward helping make sure your financial success is shared with your family, friends and the charitable organizations you designate, according to your wishes.

We will help you articulate your estate planning goals and we will work closely with your tax and legal advisors to ensure your financial plan reflects your estate planning needs. Or, if you prefer, we can provide you access to a team of professional advisors adept at the intricacies of estate and tax planning. Whether you use a trust or another method for accomplishing your long-term estate planning goals, we can assist you in navigating today’s complicated tax and estate laws.

Legacy Planning and Charitable Giving

Planning your legacy involves far more than financial considerations. Legacy planning often includes many non-monetary considerations that need to be documented or communicated to loved ones.

Charitable Giving is one aspect of legacy planning that many individuals and families embrace. It can also provide tax benefits for you and your heirs. We conduct a full assessment of short- and long-term tax and estate planning implications to help you achieve your specific objectives.

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